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Pricing the Invisible, Valuing the Cure
Quantifying the Human and Economic Costs of Invisible Illness
A Health Policy Decision Console by Healthful Data
Overview
Invisible illnesses are costly and poorly counted, so they are hard to fund or prioritize. We built a working policy console that answers one question for Long COVID: what would a cure be worth to the United States?
A policymaker or analyst sets a few levers: treatment effectiveness, share of the affected population reached, time horizon (1, 10, or 20 years), and discounted or undiscounted value. The console returns a national value with a range. In our base case, a hypothetical treatment that is 75% effective and reaches 65% of people living with Long COVID is worth $5.32 trillion over 20 years at a 3% discount rate. The range is $3.09T to $7.55T if any single parameter is taken to its evidence extreme. The widest driver is willingness to pay per QALY.
The model is built to be audited and disputed. Every number traces to a source, and an analyst can switch sources on or off, add their own, and see how the result changes.
Alongside the national burden and decision console, we built a community-led data-collection layer: the Community-Led Long COVID Burden Index (CLCBI) built off our team's expertise in developing and deploying similar models globally for the HIV pandemic and vetted by a half dozen individuals living with ME/CFS and Long COVID via the Science 4 Me (S4Me.info) forum and A Million Points of Light, a campaign and map that lets people with invisible illness be counted that includes several real lived experiences from individuals living with invisible illness from our team's sister nonprofit, Healthful Stories (HealthfulHeroes.com).
1. Results for the American People
The problem. Federal data systems capture invisible illness poorly. Claims and diagnosis codes miss most people with Long COVID, and the most severely affected are the least likely to appear in any survey. Without a defensible cost-of-illness figure, the burden is easy to overlook in funding and policy decisions.
What we delivered.
A national valuation of the human and economic burden of Long COVID. It covers value of health recovered (QALYs), medical spending avoided, national lost earnings, and wages recovered.
Three distinct definitions of the affected population, so policymakers can see how much the answer depends on who is counted:
People who self-report Long COVID, whether or not they were symptomatic at the time of infection.
People with symptomatic COVID-19 who self-report Long COVID.
Diagnosed Long COVID, identified by U09 ICD-10 codes. We expect this scope to substantially undercount.
Quality-of-life loss per person, measured against age-matched population utility.
Burden modeled over time, including the annual rate of change in prevalence for each population definition.
Lived experience. The CLCBI is a community-led instrument. It invites caretakers to respond on behalf of people in their care, and we state openly that the most severely affected remain under-represented, so burden is likely under-quantified. A Million Points of Light adds a public, persistent map where people see they are not alone, with each of 17 invisible illnesses glowing a different color. Both are designed so lived experience feeds the model directly.
Of note, the Community-Led COVID Burden Index is designed for anyone who has ever been diagnosed with a COVID infection. For those who are unaware of Long COVID, it provides a knowledge assessment and offers recommendations on how they might increase their knowledge. It also offers a risk score based on modifiable and unmodifiable features of risk to ensure that individuals with higher risk of contracting Long COVID are aware of those risks. Uniquely, those who we establish as having features of Long COVID can be activated toward care.
Note that the CLCBI was also vetted with input from the Science 4 ME (S4Me.info forum) and after conversations with leading experts such as Professor Lenny Jason and Professor Matt Mazewski among others.
2. Data, Tech & Evidence-Driven Innovation
U.S. open data. We wired in MEPS and Household Pulse Survey data directly and reviewed each by hand to build the population scopes and prevalence trends. Our evidence pipeline screened roughly 6,500 data sources. We ingested the clinical trial landscape (ClinicalTrials.gov) to show where treatment development stands, and we connect the fragmented sources into one valuation.
AI-accelerated evidence runner. An AI-assisted literature-discovery and extraction pipeline (PubMed and ClinicalTrials.gov) pulls candidate estimates for each parameter. It combines multiple sources using inverse-variance pooling and records the disagreement range between them.
Source register and transparency. A searchable register shows every candidate source, its extracted value, the supporting quote, a link, and its review status. Analysts can include or exclude sources, add their own, and watch the headline update.
Sensitivity analysis. A tornado chart shows how much each parameter moves the result. This makes the evidence gaps visible. Several key multipliers still rest on a single source, and the console flags them as validation priorities.
Discounting. Discount rates are set by scenario and sourced through the same evidence runner. The headline range shows how far the answer moves under different assumptions.
3. Execution, Efficiency & Delivery
Working today.
The live decision console runs end to end. It includes the calculation view, source register, breakdown, and a “How it works” explainer.
The CLCBI is live on the Healthful platform, and the Million Points of Light signup page and map are live.
Thrive.JoinHealthful.com has already served over 12,000 individuals in the US and with proper financing, we are excited to expand it to create a longitudinal cohort of 10,000 individuals living with Long COVID over the two years.
Near-term use. An analyst can use the console today to:
test how a cure or treatment scenario changes national value;
find which assumptions drive the answer;
justify where new data collection would reduce uncertainty most.
What we scoped deliberately. The MVP covers the core valuation and the time view. Additional modules (cure R&D return, cure timeline, downstream excess disease risk, program costs) are specified and sequenced on top of the same evidence-runner architecture.
4. Scalability, Reuse & Societal Impact
Reusable by design. Nothing in the architecture is specific to Long COVID. The condition selector, population scopes, utility estimates, cost parameters, and evidence runner are generic components. Adding ME/CFS or another chronic condition means supplying new population, utility, and cost inputs, not rebuilding the model. The selector already lists additional conditions as demonstration entries “in development.”
Policy application. The same logic supports:
research prioritization across conditions, comparing cure value per dollar of R&D;
coverage and program decisions, by showing medical spending avoided;
regulatory and benefit-cost analysis, using a transparent QALY valuation including those supported by US HHS.
Standards alignment. The CLCBI and the evidence register use structured, auditable records that can be mapped to federal data standards. Downloads are structured into FHIR format
Community scale. A Million Points of Light is an open invitation for people with invisible illness to be counted, and it works across all 17 listed conditions. It gives the model a growing, community-sourced base for future parameters. The Community Led COVID Burden Index runs on the same platform that has already proven valuable to over 12,000 users and delivers value regardless of Long COVID, ME/CFS, or other invisible illness status. That is, for the many millions who remain undiagnosed, a risk score helps to encourage them to take precautions or seek clinical evaluation for symptoms which persist 12 or more weeks after COVID infection. We can adjust these triggers over time as the science evolves.
Every figure on this page can be traced back to a document or a dataset, and every stage below is built so the trace cannot break quietly. That is the architecture in one sentence: it is designed to make an untraceable number impossible rather than unlikely.
Solution Overview (MVP Demonstration):
User-Facing Application
Live demo, prototype, or working product
Our approach is a complete, live user-facing data and AI system with interactive visualization and backend integration with 3 (Three) fully operational and deployed platforms that integrate and complement each other:
1) A Health Policy Decision Console built with AI, US Open Data, and after review of ~6,500 data sources - Pricing the Invisible, Valuing the Cure - Quantifying the Human and Economic Costs of Invisible Illness - Representing the team's combined 70+ years in HEOR and data science modeling and AI and ML engineering: https://pricing-the-invisible.thrive.joinhealthful.com ;; https://yellow-pebble-0a19a980f.6.azurestaticapps.net Password: sfmwk-umjrt-862qym
2) A Million Points of Light: A Campaign that Supports Sharing and Visualization of Lived Experience, with Several 20-minute or Longer Stories from Real People Living with Invisible Illness: https://thrive.joinhealthful.com/shine-light
3) The Community-Led Long COVID Burden Index: Built leveraging decades of team experience supporting similar work for the global HIV pandemic, expertise in patient-reported outcomes: https://thrive.joinhealthful.com/module/module-details/6aa8a7e4a0acc5a18d7373af
Access instructions (if needed)
https://yellow-pebble-0a19a980f.6.azurestaticapps.net Password: sfmwk-umjrt-862qym
Results for the American People
Target users. Federal health economists and budget analysts (ASPE, CMS, NIH, CBO), congressional and agency staff building the case for research funding, state health departments, and patient advocacy organizations who need a defensible number rather than an anecdote.
The workflow it fits. An analyst is asked what a Long COVID treatment would be worth, and has days, not months.
Today that means assembling scattered published estimates, inheriting each author’s population definition, and producing a figure nobody downstream can interrogate.
With the console, the analyst opens one page and:
Picks the population definition — self-reported, symptomatic-and-self-reported, or U09-diagnosed — and sees how much the answer depends on who is counted.
Sets effectiveness, reach, horizon, and discount rate to match the scenario being costed.
Clicks any number to see the source behind it, the verbatim quote, and the analyst who verified it.
Disagrees. Switches a source off, adds their own, and regenerates the total rather than rebuilding the model.
Reads the tornado chart to see which evidence gap moves the result, which tells them where new data collection is worth funding.
Exports a FHIR R4B bundle so the figure arrives in their own system with its derivation intact.
For patients and advocates, the Community-Led Long COVID Burden Index and A Million Points of Light turn lived experience into counted evidence, so the people the number describes help produce it.
Data, Tech & Evidence Driven Approach
Our model uses open federal data, calculated from primary sources rather than secondary reports. Seventeen connectors pull raw data from NHIS and MEPS microdata, the Census Household Pulse Survey, BLS earnings series, Census population projections, NIH RePORTER, openFDA, ClinicalTrials.gov, and other sources; each computes its own values. We calculate variance using each survey’s design, including published strata and primary sampling units or replicate weights. Each pull logs a SHA-256 hash. Automated tests continually re-pull and recalculate data, breaking the build if a source number changes.
AI is used only for peer-reviewed literature. It searches databases, screens abstracts against parameter definitions, and proposes values with verbatim quotes and page locators. In the latest run, it screened 6,019 papers across 6,492 decisions, logged 6,339 distinct exclusion reasons, and found four usable records. Rejections are visible in the tool. AI cannot decide: each proposal stays in a review queue until a named analyst verifies and promotes it, logging their name, timestamp, and reason. A separate check re-fetches documents to confirm quotes verbatim (25 of 25 in use; none unreachable). Nineteen more checks test whether valid numbers are believable, catching double-counted samples and dollar figures without a price year.
We also include one proprietary dataset: a COVID health-impact assessment hosted on Healthful. We query it read-only through an allow-listed crosswalk and aggregate outputs above strict minimum cell thresholds.
The pipeline exports as a 140-entry FHIR R4B Bundle, validated in tests and at runtime. Each Observation links to its source via derivedFrom, letting anyone trace final math to the raw survey file or exact sentence in a paper.
Execution, Efficiency & Delivery
The most useful thing the tool shows is where the money is not. Of a $635.2 billion annual burden for long COVID, medical spending is 7.2%. Lost earnings are 31.3% and lost quality of life is 61.5%, so any analysis counting only healthcare costs misses nine-tenths of the problem and goes looking for savings in the smallest layer. The second is proportion. Mean NIH funding for the condition was $251 million a year across FY2020 to FY2026, read from RePORTER. The annual burden is about 2,500 times that. For a decision maker the answer is not one number but a dependency. The horizon and the discount rate are controls, so the same evidence can be read over one, ten or twenty years, discounted at OMB's 3% or not at all, and the published range of $3.09 trillion to $7.55 trillion names willingness to pay per QALY as the input that moves it most. That tells a budget holder what to argue about. Because every figure clicks through to the sentence it came from, disagreement gets specific instead of general. An independently published model estimates 865,000 QALYs lost a year; ours implies 891,593, which we found afterwards rather than by tuning. The export is a FHIR R4B Bundle, so another system can ingest the result and walk the arithmetic behind it. Where an input is missing the tool shows the layers it can compute and names what is absent, which is what makes the numbers it does show worth using.
Scalability, Reuse & Societal Impact:
Chronic illness carries a hidden price tag. By counting only hospital bills and prescriptions, policymakers miss over 90% of the cost to American families: lost wages, daily function, and quality of life. We built this platform to make that burden visible and verifiable.
Rather than create a one-disease calculator, we built shared public infrastructure for chronic illness research. Our live MongoDB backend and automated validation engine run over 1,300 continuous checks. Because the engine is disease-agnostic, new conditions require configuration, not custom engineering. We expanded from Long COVID to Lyme disease and ME/CFS without changing core code. Open YAML and standard FHIR formats let patient organizations and research teams use our work.
Honest science means naming blind spots. Formal diagnoses make our numbers reflect healthcare access, not everyone who is sick. Black Americans, for example, face Lyme exposure risks comparable to White Americans but are diagnosed far less often. We also rely too heavily on cross-sectional snapshots and limited quality-of-life studies. Next, we’ll add validated quality-of-life instruments to patient surveys, state-level CDC data for local health departments, and evaluations of real-world clinical programs that help patients today—not just the abstract value of a total cure.
The Community-Led COVID Impact Assessment - the link above was a link to a different assessment.
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Hi Manuel, the breakdown in your page, with medical spending at 7.2% of the Long COVID burden and most of the rest in lost earnings and quality of life, is a strong way to show why counting only healthcare costs misses most of the problem.
For this sprint I built a tool that turns published Lyme and Long COVID papers into runnable simulators. Simulator 25 covers a CDC claims study of extra medical spending after a COVID-19 diagnosis in privately insured people under 65 (Pike et al., Prev Chronic Dis 2023). Over six months, spending was $1,562 higher for adults and $1,011 higher for children than for matched people without the diagnosis, and costs were about 3.2 times higher for adults who had been hospitalized (chart attached). The authors describe it as a likely lower bound, partly because no Long COVID-specific diagnosis code existed yet, and it also excludes out-of-pocket spending and lost work. It’s one small piece of the medical layer your console models, and it reflects the same point about what claims can’t see.
I’d also be glad to hear the views of Bo Peng, Ian Liu and Hamad Al Ibrahim, whose entries deal with pricing care, Long COVID cost estimates and the link between burden and research funding.
My entry is here if you’d like to look: https://invisibleillness.crowdicity.com/post/896844
Thank you for sharing your work, and good luck with the community index.
Users tagged:
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Manuel, what stands out to me is that your model goes beyond estimating the economic burden of Long COVID—it makes the assumptions, source evidence, and sensitivity of those estimates inspectable. The finding that medical spending represents only 7.2% of the modeled burden is particularly important, because analyses focused on healthcare costs alone can miss much of the impact on earnings and quality of life.
This connects to a related challenge in my project, LymeSignal AI by Ace. While your platform makes population-level economic assumptions transparent, LymeSignal focuses on patient-level evidence: organizing fragmented medical records into a source-linked visit brief while preserving conflicting information, patient clarification, and unresolved uncertainty rather than letting AI silently decide which version is correct.
Both approaches reflect an important principle: AI should make evidence easier to evaluate, not hide uncertainty behind a confident-looking answer.
If you're interested, here's my project: https://invisibleillness.crowdicity.com/post/896768
I'd welcome your thoughts on how these approaches to evidence traceability might complement one another.
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I was thinking about someone actually opening Pricing for the first time, not as a policymaker, but as a person with Long COVID trying to make sense of their own situation. They would see $635.2 billion for the country and a 7.2% medical share, and none of that tells them what their own bills, lost shifts, or bad weeks add up to. Their own split could look completely different.
What I would want to see in the next few months is a small group of real people with Long COVID opening the console as it is, before any personal view is added, and watching where the national figure gets read as a personal estimate. If someone quotes it to a clinician or an employer and gets dismissed because it is not about her, that is the deployment result, not a labeling problem, and it would tell you what a personal view actually has to contain.
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Hi Manuel, I appreciate how Healthful distinguishes medical spending from the broader economic and quality-of-life impacts of Long COVID. That distinction resonates with our work on Visible Burden AI (VBAI), where we explore several dimensions of patient-reported burden beyond direct healthcare costs.
Your Community-Led Long COVID Burden Index particularly caught my attention. How do you envision using individual reports of employment disruption, caregiving demands, or healthcare navigation difficulties to strengthen the interpretation of population-level economic estimates?
Congratulations to your team on the work you've developed!
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We have removed the password requirement for the Pricing the Invisible, Valuing the Cure Decision Console:
https://pricing-the-invisible.joinhealthful.com/
As a reminder, if you have ever had a COVID infection, whether or not you had any symptoms or believe you have Long COVID, you are eligible to contribute to the Community-Led COVID Burden Index. 20 minutes can make the difference for how Long COVID is identified and burden is quantified in the US.
Light your light for invisible illness. Share what you wish others knew about living with your invisible illness through our map, A Million Points of Light. All that is required is a first name, a valid email address, and less than two minutes of your time. Together we can raise awareness, reduce stigma, and ensure that invisible illness is impossible to ignore.
If you would like a quick overview of what we have built, watch our 3-minute highlight reel here.
If an appropriate analyst would like to be added to our roster of vetted policy users, please email our team at contact@healthfuldata.com.
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Hi Manuel, framing Long COVID as what a cure would be worth is a strong way to talk to policymakers. On the live console, the Population addressed slider says there are no sources and asks the user to set it. Do you plan to offer an evidence-based default for reach, for example from Household Pulse, so people can compare results against the $5.32 trillion base case more easily?
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I really like this idea and think that it could be applied to a much wider set of health issues. For example, what would be the economic benefits of finding a cure for ebola? What about a vaccine for HIV? It is also interesting how to value the altruistic benefits for disease prevention or cure. For example, men have significant value in terms of breast cancer, despite the fact that they almost never get breast cancer.
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